Home > Kerman State Bank > Income and Expense
Kerman State Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,495,000 | 4,231 |
| Total interest expense | $2,690,000 | 5,137 |
| Net interest income | $4,805,000 | 3,553 |
| Provision for loan and lease losses | $295,000 | 3,263 |
| Total noninterest income | $996,000 | 3,351 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $389,000 | 3,482 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $607,000 | 2,807 |
| Total noninterest expense | $4,005,000 | 3,427 |
| Salaries and employee benefits | $2,100,000 | 3,454 |
| Premises and equipment expense | $323,000 | 5,297 |
| Additional noninterest expense | $1,582,000 | 2,744 |
| Pre-tax net operating income | $1,501,000 | 3,859 |
| Securities gains (losses) | $2,000 | 4,242 |
| Applicable income taxes | $583,000 | 3,019 |
| Income before extraordinary items | $920,000 | 4,503 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $920,000 | 4,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 2,450 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $-244,000 | 9,526 |
| Net operating income | $918,720 | 4,400 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,573,000 | 3,536 |
| Total interest expense | $4,431,000 | 3,669 |
| Net interest income | $5,142,000 | 3,385 |
| Provision for loan and lease losses | $590,000 | 1,652 |
| Total noninterest income | $935,000 | 3,295 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $338,000 | 3,701 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $597,000 | 2,638 |
| Total noninterest expense | $3,968,000 | 3,354 |
| Salaries and employee benefits | $1,950,000 | 3,547 |
| Premises and equipment expense | $321,000 | 5,223 |
| Additional noninterest expense | $1,697,000 | 2,518 |
| Pre-tax net operating income | $1,519,000 | 4,041 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $589,000 | 3,143 |
| Income before extraordinary items | $930,000 | 4,586 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $930,000 | 4,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $745,000 | 922 |
| Cash dividends | $292,000 | 4,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $930,000 | 4,585 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,740,000 | 4,046 |
| Total interest expense | $3,127,000 | 4,447 |
| Net interest income | $4,613,000 | 3,704 |
| Provision for loan and lease losses | $570,000 | 1,589 |
| Total noninterest income | $857,000 | 3,452 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $316,000 | 3,831 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $541,000 | 2,812 |
| Total noninterest expense | $3,559,000 | 3,658 |
| Salaries and employee benefits | $1,961,000 | 3,510 |
| Premises and equipment expense | $293,000 | 5,535 |
| Additional noninterest expense | $1,305,000 | 3,206 |
| Pre-tax net operating income | $1,341,000 | 4,430 |
| Securities gains (losses) | $4,000 | 2,267 |
| Applicable income taxes | $427,000 | 3,990 |
| Income before extraordinary items | $918,000 | 4,687 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $918,000 | 4,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,010 |
| Cash dividends | $715,000 | 2,866 |
| Sale, conversion, retirement of capital stock, net | $79,000 | 812 |
| Net operating income | $915,280 | 4,657 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,110,000 | 3,887 |
| Total interest expense | $3,240,000 | 4,439 |
| Net interest income | $4,870,000 | 3,491 |
| Provision for loan and lease losses | $185,000 | 3,665 |
| Total noninterest income | $833,000 | 3,514 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $326,000 | 3,677 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $507,000 | 2,957 |
| Total noninterest expense | $3,467,000 | 3,642 |
| Salaries and employee benefits | $1,871,000 | 3,546 |
| Premises and equipment expense | $253,000 | 5,923 |
| Additional noninterest expense | $1,343,000 | 3,049 |
| Pre-tax net operating income | $2,051,000 | 3,286 |
| Securities gains (losses) | $13,000 | 2,771 |
| Applicable income taxes | $770,000 | 2,822 |
| Income before extraordinary items | $1,294,000 | 3,707 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,294,000 | 3,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,598 |
| Cash dividends | $1,381,000 | 1,778 |
| Sale, conversion, retirement of capital stock, net | $-412,000 | 10,392 |
| Net operating income | $1,285,680 | 3,640 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,432,000 | 4,278 |
| Total interest expense | $2,936,000 | 4,815 |
| Net interest income | $4,496,000 | 3,822 |
| Provision for loan and lease losses | $15,000 | 8,110 |
| Total noninterest income | $645,000 | 4,227 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $382,000 | 3,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $263,000 | 4,249 |
| Total noninterest expense | $2,968,000 | 4,128 |
| Salaries and employee benefits | $1,564,000 | 4,097 |
| Premises and equipment expense | $239,000 | 6,223 |
| Additional noninterest expense | $1,165,000 | 3,433 |
| Pre-tax net operating income | $2,158,000 | 3,298 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $824,000 | 2,860 |
| Income before extraordinary items | $1,337,000 | 3,710 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,337,000 | 3,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 10,357 |
| Cash dividends | $1,084,000 | 2,041 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 847 |
| Net operating income | $1,335,080 | 3,635 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,746,000 | 4,724 |
| Total interest expense | $2,698,000 | 5,228 |
| Net interest income | $4,048,000 | 4,274 |
| Provision for loan and lease losses | $-80,000 | 11,247 |
| Total noninterest income | $448,000 | 5,557 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $377,000 | 3,508 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 8,053 |
| Total noninterest expense | $2,486,000 | 5,029 |
| Salaries and employee benefits | $1,205,000 | 5,188 |
| Premises and equipment expense | $147,000 | 8,133 |
| Additional noninterest expense | $1,134,000 | 3,962 |
| Pre-tax net operating income | $2,090,000 | 3,296 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $710,000 | 3,144 |
| Income before extraordinary items | $1,380,000 | 3,450 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,380,000 | 3,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-82,000 | 11,182 |
| Cash dividends | $1,062,000 | 2,042 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 753 |
| Net operating income | $1,380,000 | 3,403 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,685,000 | 4,744 |
| Total interest expense | $2,777,000 | 5,086 |
| Net interest income | $3,908,000 | 4,400 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $564,000 | 4,781 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $333,000 | 3,931 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $231,000 | 4,713 |
| Total noninterest expense | $1,999,000 | 5,980 |
| Salaries and employee benefits | $1,155,000 | 5,388 |
| Premises and equipment expense | $146,000 | 8,373 |
| Additional noninterest expense | $698,000 | 5,864 |
| Pre-tax net operating income | $2,353,000 | 3,020 |
| Securities gains (losses) | $55,000 | 1,247 |
| Applicable income taxes | $880,000 | 2,654 |
| Income before extraordinary items | $1,528,000 | 3,193 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,528,000 | 3,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 3,162 |
| Cash dividends | $674,000 | 2,728 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 647 |
| Net operating income | $1,492,800 | 3,240 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,569,000 | 5,181 |
| Total interest expense | $1,923,000 | 5,783 |
| Net interest income | $3,646,000 | 4,761 |
| Provision for loan and lease losses | $80,000 | 5,022 |
| Total noninterest income | $632,000 | 4,473 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $320,000 | 4,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $312,000 | 3,976 |
| Total noninterest expense | $1,979,000 | 6,260 |
| Salaries and employee benefits | $1,102,000 | 5,629 |
| Premises and equipment expense | $135,000 | 8,947 |
| Additional noninterest expense | $742,000 | 6,042 |
| Pre-tax net operating income | $2,219,000 | 3,152 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $799,000 | 2,761 |
| Income before extraordinary items | $1,420,000 | 3,325 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,420,000 | 3,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 3,448 |
| Cash dividends | $313,000 | 4,346 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 1,079 |
| Net operating income | $1,420,000 | 3,353 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,728,000 | 6,061 |
| Total interest expense | $1,561,000 | 7,014 |
| Net interest income | $3,167,000 | 5,416 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $548,000 | 5,268 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $301,000 | 4,413 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $247,000 | 5,039 |
| Total noninterest expense | $1,816,000 | 6,834 |
| Salaries and employee benefits | $1,047,000 | 5,890 |
| Premises and equipment expense | $128,000 | 9,539 |
| Additional noninterest expense | $641,000 | 7,003 |
| Pre-tax net operating income | $1,839,000 | 3,597 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $621,000 | 3,491 |
| Income before extraordinary items | $1,218,000 | 3,960 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,218,000 | 4,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 7,509 |
| Cash dividends | $294,000 | 4,510 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,151 |
| Net operating income | $1,218,000 | 3,753 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,380,000 | 7,030 |
| Total interest expense | $1,742,000 | 7,785 |
| Net interest income | $2,638,000 | 6,341 |
| Provision for loan and lease losses | $60,000 | 8,535 |
| Total noninterest income | $610,000 | 4,898 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $280,000 | 4,692 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $330,000 | 4,169 |
| Total noninterest expense | $1,658,000 | 7,375 |
| Salaries and employee benefits | $967,000 | 6,217 |
| Premises and equipment expense | $128,000 | 9,751 |
| Additional noninterest expense | $563,000 | 7,837 |
| Pre-tax net operating income | $1,530,000 | 3,979 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $510,000 | 3,950 |
| Income before extraordinary items | $1,020,000 | 4,413 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,020,000 | 4,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 10,255 |
| Cash dividends | $281,000 | 4,194 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 1,025 |
| Net operating income | $1,020,000 | 4,100 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.